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Milo vs OKX Earn

How Milo vs OKX Earn compare on our ratings, earn platform specs, funding, pros and cons.

Milo3.8/5
VS
OKX Earn4.1/5
Feature
MiloVisit
OKX EarnVisit
Ratings
Our score3.8/54.1/5
User ratingNo reviews yetNo reviews yet
Rates3.04.0
Security4.54.5
Transparency4.04.0
Flexibility3.54.0
Support3.54.0
Specs
KYC required Yes Yes
ProductsCrypto-backed loansSavings / earn, Staking, Dual investment
Highest advertised APYNot disclosed18.81%
Max loan-to-value100%Not disclosed
Loan APR from7%Not disclosed
Supported assets320
Available inUnited StatesEurope (EEA), United States, Global
Proof of reservesNot disclosed Yes
InsuranceCustody insurance via BitGo and CoinbaseNot disclosed
Licenses & registrationsLicensed mortgage lender in 10+ U.S. states, NMLS registeredMiCA
Flexible (withdraw any time)Not disclosed Yes
Fixed terms Yes Yes
Company
Founded2018—
HeadquartersUnited StatesMalta
InvestorsM13, MetaProp, QED InvestorsIntercontinental Exchange (ICE)
Strengths and weaknesses
Pros
  • Over $250 million originated across digital mortgage and cash lending products
  • Pledged collateral is held without rehypothecation at Coinbase and BitGo
  • Self-custody mortgage option removes the threat of margin calls
  • Licensed direct mortgage lender holding licenses in 10+ U.S. states
  • Operates under a full European MiCA licence across 30 countries
  • Backing from Intercontinental Exchange following a $200M strategic funding round
  • Publishes regular cryptographic proof of reserves for platform assets
  • Zero percent subscription fee for basic savings products
Cons
  • Loan APR starts at 10.75% alongside a 2% origination fee
  • Mandatory identity verification and standard mortgage underwriting on all files
  • Self-custody reserve mortgages require a minimum loan balance of $200,000
  • Custodial loans face margin liquidation risk if crypto asset prices drop
  • Deducts a 15% service fee from on-chain staking rewards
  • Full custodial exposure makes user funds vulnerable to platform insolvency
  • Disclaims liability for losses caused by third-party DeFi protocol failures
  • Mandatory identity verification prevents anonymous participation
Best forCrypto holders buying U.S. real estate, Borrowers avoiding capital gains taxes, Bitcoin holders wanting self-custodial reservesVerified European exchange users, Holders seeking passive proof-of-stake rewards, Traders using structured dual-currency products

Highlighted cells show the stronger value in each row. Data comes from each provider's site and public sources; check details before you sign up.